The Fair Debt Collection Practices Act (FDCPA) was enacted in 1977 to protect consumers from abusive, unfair, and deceptive practices by third-party debt collectors. The law details when and how a collector may contact a debtor. The government enforcer of the law has historically been the Federal Trade Commission (FTC), but some regulatory duties may be shared with the Bureau of Consumer Financial Protection housed within the Federal Reserve, created in 2010. The FDCPA is a strict civil liability law, which means that a consumer need not prove actual damages in order to claim statutory damages of up to $1,000 per violation plus reasonable attorney fees.

See all Topics
Crumpled pieces of paper in white, green blue, red and yellow printed with question marks and the words "wrong" and "right" [Image by creator Stepan Popov from AdobeStock]

Here's What's Wrong With Hunstein: Here’s the Simple and Obvious Spokeo Error That Led to the SCARIEST FDCPA Case Ever

4 May 2021

 [Image by creator Krasimira Nevenova from AdobeStock]

CFPB Issues Interim Rule Applicable to FDCPA Debt Collectors Seeking to Evict Tenants For Non-Payment of Rent

29 April 2021

3 white animated figures, two wearing only ties and boxing gloves. Figure in the middle wearing a bow tie and holding up one hand as the winner. [Image by creator Texelart from AdobeStock]

Debt Collector Wins on Bona Fide Error Defense Where Dispute Letter Too Vague

28 April 2021

File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

BREAKING: 11th Circuit Holds Transmitting Data to Mail Vendor is Unauthorized Third-Party Disclosure

21 April 2021

A set of five different-shaped road signs that all say "Penalty" [Image by creator Argus from AdobeStock]

CFPB has Busy April - Reaches Agreements for Fines and Penalties with Two Organizations

21 April 2021

File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

3rd Cir. Holds No FDCPA Violation When Non-Interest-Bearing Debt Itemized ‘$0.00’ for Interest

21 April 2021

3 white animated figures, two wearing only ties and boxing gloves. Figure in the middle wearing a bow tie and holding up one hand as the winner. [Image by creator Texelart from AdobeStock]

Landmark Victory! Debt Collector Did Not Deceive Debtor Who Refused to Give Name

14 April 2021

 [Image by creator  from ]

Regulation F FAQ: Disputes

24 March 2021

 [Image by creator Leigh Prather from AdobeStock]

Regulation F FAQ: Itemization Dates

22 March 2021

 [Image by creator alswart from AdobeStock]

Does Sending Consumer Data to a Mail House Violate Third-Party Disclosure Rules?

15 March 2021

Crumpled pieces of paper in white, green blue, red and yellow printed with question marks and the words "wrong" and "right" [Image by creator Stepan Popov from AdobeStock]

CFPB Debt Collection Rule Alert: 11 Whopping Misstatements You Need to Know About

9 March 2021

 [Image by creator kentoh from AdobeStock]

What the CFPB’s New Debt Collection Rules Mean for Creditors and First-Party Servicers (sponsored)

25 February 2021

Small statue of lady justice [Image by creator sebra from AdobeStock]

Can We Say Goodbye to Six-Figure Emotional Distress Jury Awards? The Future of Actual Damages Awards in Light of the Seventh Circuit’s Standing Decisions

9 February 2021

Computer keyboard with a key that says emotional distress [Image by creator Alifuat from AdobeStock]

“You Hurt My Feelings!” An Examination of Emotional Distress Damages under the FDCPA

2 February 2021

Phone with "voice mail" text on it [Image by creator iQoncept from AdobeStock]

Limited Content Messages And Your Company’s Name

27 January 2021

Image of road sign that says "Massachusetts Welcomes you" [Image by creator spiritofamerica from AdobeStock]

Mass. Releases Webinar on Examination and Legislation Strategy for Debt Collectors

21 January 2021

Image of a compass with the arrow pointing towards the word "trend" [Image by creator Olivier Le Moal from AdobeStock]

The Tides are Turning: Recent Trends in FDCPA Standing

13 January 2021

 [Image by creator alswart from AdobeStock]

6th Circuit Rejects ‘Benign Language’ Exception in FDCPA Envelope Disclosure Claim

11 January 2021

A binder that says "Guidelines" on the spine sitting on a desk with a pen, calculator, and open binder [Image by creator DOC RABE Media from AdobeStock]

CFPB Taskforce Report (Part 2): The 19 Focus Areas and 102 Recommendations of Volume 2

7 January 2021

 [Image by creator LittleGallery from AdobeStock]

CFPB Taskforce Report (Part 1): A Deep Dive Into the 4 Main Debt Collection-Related Topics of Volume 1

6 January 2021